Mercer County State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 4.0% to $1.8M. Mercer County State Bank ranks 39th of 109 Pennsylvania banks on net interest margin, in the upper half at 3.81% (Q2 2026). Mercer County State Bank reported 3.81% on net interest margin for Q2 2026, 0.14 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.07% |
| Yield on loans | 6.26% |
| Yield on securities | 2.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | 4.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.37% | 1.15% | 3.29% | 5.52% | 2.14% |
| Q4 2023 | 4.46% | 1.21% | 3.33% | 5.63% | 2.22% |
| Q1 2024 | 4.52% | 1.42% | 3.18% | 5.69% | 2.23% |
| Q2 2024 | 4.70% | 1.44% | 3.35% | 5.87% | 2.22% |
| Q3 2024 | 4.79% | 1.56% | 3.36% | 6.00% | 2.22% |
| Q4 2024 | 4.89% | 1.56% | 3.40% | 6.10% | 2.22% |
| Q1 2025 | 4.84% | 1.50% | 3.41% | 5.99% | 2.20% |
| Q2 2025 | 4.84% | 1.49% | 3.42% | 6.07% | 2.21% |
| Q3 2025 | 4.97% | 1.55% | 3.50% | 6.25% | 2.26% |
| Q4 2025 | 5.23% | 1.46% | 3.85% | 6.56% | 2.35% |
| Q1 2026 | 5.02% | 1.40% | 3.69% | 6.21% | 2.38% |
| Q2 2026 | 5.07% | 1.33% | 3.81% | 6.26% | 2.38% |
Mercer County State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mercer County State Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mercer County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 445) · FFIEC NIC profile (RSSD 866121)